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A Personal Contract Purchase (PCP) is a method of obtaining goods e.g. a vehicle through a pre -agreed fixed term finance agreement with part of the cost deferred until the end of the agreement. This may give the benefit of lower monthly repayments or a shorter period of repayment. Once all of the repayments, including the deferred payment and any fees are paid, the goods become your property. To find out more about a Personal Contract Purchase, including important things you must consider before taking out an agreement like what happens if you exceed your agreed mileage allowance, click on the link above.
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Conditional Sale is a method of obtaining goods e.g. a vehicle, pay for the use of the vehicle over a pre- agreed period and at the end of that period, once an Option to Purchase Fee has been paid, the goods become your property. To find out more about Conditional Sale, including important things you must consider before taking out an agreement, click on the link above.
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